Financial Tools

FIRE Calculator

Financial independence in three numbers: the target your spending implies, the year you reach it, and the Coast FIRE figure that gets there on growth alone if you never contribute again.

Your Numbers

Annual Spending in Retirement

Withdrawal Rate (percent, 4 gives the 25x rule)

Already Invested

Saved and Invested per Year

Assumptions

Annual Return (percent, after fees)

Your Age

Age You Would Otherwise Retire (used for the Coast FIRE number)

Inflation (percent, for the future-dollar view)

Values shown are examples. A single average return hides the order returns arrive in, which matters most in the first years of drawing down.

See your full report

Financial Independence

Your Number	$0
Which Is	n/a
You Get There In	n/a
At Age	n/a

Coast FIRE Number	$0
Against Your Balance Today	n/a

Your Savings Rate	n/a
Monthly Income at the Target	$0
The Same Target in Future Dollars	$0

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For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.

How this is worked out

The target is annual spending divided by the withdrawal rate. At 4% that is 25 times spending, which is where the shorthand comes from. The rate is a field because 4% is a rule of thumb from a specific historical study, not a law.

The path forward compounds what you have already invested and adds each year's saving, and reports the first year the balance reaches the target.

Coast FIRE is the smaller number that grows into the target by your normal retirement age with no further contributions, target divided by (1+r) to the power of the years remaining. Most people cross it long before they notice, and it is the point where the pressure to keep saving hard comes off.

Questions people ask

Is 4% still a safe withdrawal rate?

It is a starting point from historical US data, not a guarantee. Longer retirements, higher fees and weaker returns all argue for a lower number, which is why the rate is a field you can move.

What is the difference between FIRE and Coast FIRE?

FIRE is the number where you could stop working. Coast FIRE is the number where you could stop saving and still arrive on time. The second one arrives years earlier and changes what job you can afford to take.

Does this account for inflation?

The main figures are in today's money, which is the honest way to think about spending. The future dollars line shows the same target restated at the inflation rate you entered.

What about Social Security or a pension?

Not included. Any guaranteed income reduces what the portfolio has to cover, so entering your spending net of that income gives a smaller and more realistic target.

What is the single biggest lever here?

The savings rate, because it raises the amount invested and lowers the spending the target is built from at the same time. Returns matter, but you do not control them.

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